New India Assurance Co. Ltd. · NSE:NIACL
New India Assurance — The New India Assurance Company — Q3 FY26 Earnings Presentation
21 slides from New India Assurance's earnings presentation, Feb 2, 2026
Slide 1: Revised Investor Presentation filing letter to exchanges
eqIRgn Wa=H#-+Hhtg (WFm warR]Fr 3WFq) THE NEW INDIA ASSURANCE COMPANY LTD. (Govt. of India Undertaking) =txt%aRdrqnar=rtaq : ITFWIT qwRufqh+T, 87, WEKm Ta=it wf, lit( id - 400 o01, Phone : 022 2270 8100 Regd. & Head Office : New India Assurance Bldg., 87, M.G, Road, Fort, Mumbai - 400 001. 022 2270
Slide 2: Results for the period ended 31st December 2025
Results for the period ended 31st December 2025
Slide 3: Disclaimer
Disclaimer This presentation may contain forward-looking statements, which are not historical facts but relate to future expectations, projections, objectives, or strategies of the Company. Such statements are inherently subject to various risks, uncertainties, and assumptions—many of which are beyo
Slide 4: Chairperson's comments on Q3 FY26 performance
Chairperson’s comments on Q3 FY26 performance “It gives me immense satisfaction to inform that the Company achieved an 10.5% growth in Gross Written Premium (GWP) during the nine-month period ended December 31, 2025. The domestic business registered growth ahead of the industry, resulting in an incr
Slide 5: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 6: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 7: Financial Performance
Financial Performance Amounts in ₹ Cr Q3 FY26 Q3 F25 9M FY26 9M FY25 FY25 Gross Written Premium 11,680 10,778 35,555 32,186 43,618 % Change YoY 8.37 1.06 10.47 2.42 3.86 *Underwriting results were impacted by Net Written Premium 9,678 8,920 29,326 26,564 36,315 provision towards wage arrears and Net
Slide 8: Financial performance
Financial performance Combined Ratio 124.01% Gross Written Premium Wage arrears since Aug-22 43,618 and retirement benefit 117.98% 118.70% provision for active employees 116.28% 116.78% impacted the combined ratio for Q3 FY26 by 7.85% and for 9M FY26 by 6.4%. 11,680 10,778 Q3 FY26 Q3 FY25 9M FY26 9M
Slide 9: Financial performance
Financial performance Solvency Ratio Asset Under Management Technical Reserve 100,890 56,745 1.9 1.81 97,690 52,536 Q3 FY 25-26 Q3 FY 24-25 Q3 FY 25-26 Q3 FY 24-25 Q3 FY 25-26 Q3 FY 24-25 Net Worth Fair Value Change Account ROE 22,630 24,991 4.95% 19,993 4.01% 21,516 Q3 FY 25-26 Q3 FY 24-25 Q3 FY 25
Slide 10: Segment wise performance – Gross Written Premium
Segment wise performance – Gross Written Premium Q3 Q3 9 months 9 months GWP % Change % Change FY 24-25 FY 25-26 FY 24-25 FY 25-26 FY 24-25 FIRE 1,735 1,667 4.06 5,519 4,786 15.31 6,225 MARINE 289 242 19.46 865 793 9.01 1,010 MOTOR 3,214 3,242 -0.89 8,585 8,688 -1.18 12,059 HEALTH INCLUDING PA 5,481
Slide 11: Segment wise performance – Incurred Claims Ratio
Segment wise performance – Incurred Claims Ratio Q3 Q3 9 months 9 months ICR FY 24-25 FY 25-26 FY 24-25 FY 25-26 FY 24-25 FIRE 65% 54% 81% 68% 71% MARINE 119% 49% 90% 58% 54% MOTOR 108% 102% 109% 105% 106% HEALTH INCLUDING PA 91% 103% 101% 103% 101% LIABILITY 21% 57% 51% 59% 58% ENGINEERING 3% 37% 5
Slide 12: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 13: Performance v/s industry (Indian business)
Performance v/s industry (Indian business) GI industry grew by 8.69% in Q3Fy26 NIACL domestic gross direct premium income grew by 13.71% outpacing the industry growth The YoY market share increased from 12.80% to 13.40% The growth momentum continued in December 2025, with company outpacing the indus
Slide 14: Segment wise market share
Segment wise market share Segment (₹ Cr) Market NIACL Market Share Fire 22,769 4,028 17.69% Marine 4,424 805 18.19% Motor 78,049 7,519 9.63% Health & PA 1,09,748 18,041 16.44% Crop 17,065 5 0.03% Others 18,154 3,108 17.12% Total 2,50,209 33,506 13.39%
Slide 15: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 16: About the company
About the company Rated AAA by CRISIL and Market leadership with a 107th year of operation B++ (Good - Positive) by AM strong brand image Best 1,668 offices in India Multi channel distribution Indian multinational with underlining strong domestic network presence in 24 countries presence
Slide 17: Segment Mix
Segment Mix Gross Written Premium 9.35% 15.52% 0.37% 2.43% 11.10% 48.16% 13.04% Fire Marine Motor OD MotoreTP Health and PA Crop Others
Slide 18: Distribution mix – Q3 FY25-26 (Indian business)
Distribution mix – Q3 FY25-26(Indian business) Dealer Bancassurance 6.90% 0.56% Direct 31.15% Broker 37.00% Agency 24.39% Direct Agency Broker Dealer Bancassurance
Slide 19: Key initiatives for FY26
Key initiatives for FY26 Launching innovative new products with focus on Retail and MSME Entering new lines like parametric insurance Emphasis on growth in segments other than Motor and Health where competitive intensity is high Further impetus on risk management initiatives and taking steps to impr
Slide 20: Key IT initiatives
Key IT initiatives WhatsApp services in 8 Call centre offering languages which offer services in 7 regional Revamped website policy and claim related languages services Customer portal offering Claim automation efforts AI/ML enabled Chatbot a seamless user continue for faster claim for customer serv
Slide 21: Thank You
) NEW INDIA ASSURANCE Airy aac ceded art Pao The New India Assurance Co. Ltd Thank You
The New India Assurance Company — Q3 FY26 Earnings Presentation on 6ix